Underwriter II - Agency

* Works under limited supervision or independently. Using independent judgment to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties and also may have limited approval and/or exception authority. Prepares offerings for specific transactions or in management of a portfolio as assigned and interacts with internal/external customers.

May provide recommendations for credit structuring.
* Using independent judgment to identify risks and mitigants, prepares and effectively recommends loan offerings based on scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio.
* Contacts internal/external customers and other parties as appropriate to gather information and clarify inconsistent, incorrect or missing information. May include relevant pre-approval and post-approval activities.
* Performs or assists with the identification and/or confirmation of all external regulatory requirements. Ensures internal policies and procedures are followed.
* Makes recommendations on credit decisions or makes credit decisions directly as appropriate.
* Knowledge of IRS Code Section 42 and 47, equity structures and documentation, market research (including onsite inspections and market comp analysis), and 3rd party or external guidelines.

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